Important changes affecting your Sun GIF Solutions contract #<insert number>
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1 <Date> Important changes affecting your Sun GIF Solutions contract #<insert number> Dear <client>, We value our relationship with you and want to share some important information in this letter. As described in your information folder and contract, the management expense ratio (MER) for each fund is calculated based on management fees, insurance fees and fund operating expenses. Effective June 4, 2018, we re adjusting these components charged to the fund(s) in your Sun Guaranteed Investment Fund (GIF) Solutions contract to lower the MER for some funds and to better reflect the overall cost of investing. Fee changes The management fee or insurance fee for the funds you hold may be increasing or decreasing. However, although some funds will have a lower overall cost, the total cost won t be increasing on any of the funds because of this change. This information is for your awareness only and requires no action on your part. If you re invested in deferred sales charge (DSC) or low-load units of a fund with increasing management fees, and there s no similar fund available, you re entitled to fundamental change rights. This means we won t apply a redemption fee if you withdraw units from the impacted fund(s) between April 4, 2018, and May 28, Withdrawals will reduce guarantees and may result in a capital gain or loss for non-registered contracts. At any time, you can switch to another available fund without incurring charges or affecting guarantees. The enclosed document lists the funds with lower costs and those with fundamental change rights. We ve also included new fund facts pages that reflect the new management fees and insurance fees for each available fund. Please file these documents with the information folder, contract and fund facts you received when you purchased your contract. Fund name change Also effective June 4, 2018, we re renaming Sun GIF Solutions Sun Life Sentry Infrastructure to Sun GIF Solutions Sun Life Infrastructure and Sun GIF Solutions Sun Life Schroder Emerging Markets to Sun GIF Solutions Sun Life Excel Emerging Markets, because the names of the underlying funds have changed. The investment objective and investment strategies of the funds remain unchanged. If you hold either of these funds, you ll see the new name on your next statement, or you can view it in your contract on sunlifegifs.ca after June 4. For more information If you have concerns or questions, please contact your advisor or call us toll free at , Monday to Friday, 8 a.m. - 8 p.m. ET. Sincerely, Rick Headrick, Senior Vice-President, Individual Wealth Page 1 of 8
2 The overall cost for the following funds will be reduced by the amount shown: INVESTMENT SERIES* ESTATE SERIES* Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond Sun GIF Solutions Sun Life Excel Emerging Markets 0.25 Sun GIF Solutions Sun Life MFS Canadian Bond Sun GIF Solutions Sun Life MFS Canadian Equity Growth Sun GIF Solutions Sun Life MFS Global Growth Sun GIF Solutions Sun Life MFS Global Total Return Sun GIF Solutions Sun Life MFS International Growth Sun GIF Solutions Sun Life MFS Low Volatility Global Equity Sun GIF Solutions Sun Life MFS Low Volatility International Equity Sun GIF Solutions Sun Life MFS US Equity Sun GIF Solutions Sun Life MFS US Growth Sun GIF Solutions Sun Life MFS US Value Sun GIF Solutions Sun Life Multi-Strategy Bond Sun GIF Solutions Sun Life NWQ Flexible Income Sun GIF Solutions Sun Life Sentry Value Sun GIF Solutions Sun Life Templeton Global Bond 0.35 *estimated reduction not including HST The overall cost for the following funds will be reduced by the amount shown for F class sales charge option: INVESTMENT SERIES* ESTATE SERIES* Sun GIF Solutions Sun Life BlackRock Canadian Balanced Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond *estimated reduction not including HST Page 2 of 8
3 The following funds are entitled to fundamental change rights: Sun GIF Solutions CI Cambridge Canadian Asset Allocation Sun GIF Solutions Fidelity Floating Rate High Income Sun GIF Solutions Fidelity Income Allocation Sun GIF Solutions RBC Global High Yield Bond Sun GIF Solutions Sun Life Excel Emerging Markets Sun GIF Solutions Sun Life Schroder Global Mid Cap Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity Page 3 of 8
4 Addendum to the Sun Guaranteed Investment Fund Solutions (Sun GIF Solutions) information folder and individual variable annuity contract provisions and fund facts. These provisions form part of your information folder, contract and fund facts Effective June 4, 2018, the information folder, contract and fund facts are amended to replace the following pages. Ratios & supplementary data management fees FEL/LL/DSC F-CLASS O-CLASS Sun GIF Solutions CI Cambridge Canadian Asset Allocation Sun GIF Solutions CI Cambridge Canadian Equity Sun GIF Solutions CI Cambridge Global Equity Sun GIF Solutions CI Signature Diversified Yield II Sun GIF Solutions CI Signature High Income Sun GIF Solutions CI Signature Income & Growth Sun GIF Solutions Daily Interest Sun GIF Solutions Dollar Cost Average Daily Interest Sun GIF Solutions Estate Settlement Sun GIF Solutions Fidelity Floating Rate High Income Sun GIF Solutions Fidelity Income Allocation Sun GIF Solutions Fidelity Monthly Income Sun GIF Solutions Fidelity NorthStar Sun GIF Solutions Fidelity True North Sun GIF Solutions Fiera Global Equity Sun GIF Solutions Fiera US Equity Sun GIF Solutions Franklin Global Growth Sun GIF Solutions PH&N Short Term Bond and Mortgage Sun GIF Solutions RBC Global High Yield Bond Sun GIF Solutions RBC North American Value Sun GIF Solutions Strategic Income Sun GIF Solutions Sun Life BlackRock Canadian Balanced Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity Sun GIF Solutions Sun Life BlackRock Canadian Equity Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond Sun GIF Solutions Sun Life Dynamic American Page 4 of 8
5 FEL/LL/DSC F-CLASS O-CLASS Sun GIF Solutions Sun Life Dynamic Equity Income Sun GIF Solutions Sun Life Dynamic Strategic Yield Sun GIF Solutions Sun Life Excel Emerging Markets Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity Sun GIF Solutions Sun Life Granite Balanced Sun GIF Solutions Sun Life Granite Balanced Growth Sun GIF Solutions Sun Life Granite Conservative Sun GIF Solutions Sun Life Granite Enhanced Income Sun GIF Solutions Sun Life Granite Growth Sun GIF Solutions Sun Life Granite Income Sun GIF Solutions Sun Life Granite Moderate Sun GIF Solutions Sun Life Infrastructure Sun GIF Solutions Sun Life MFS Canadian Bond Sun GIF Solutions Sun Life MFS Canadian Equity Growth Sun GIF Solutions Sun Life MFS Dividend Income Sun GIF Solutions Sun Life MFS Global Growth Sun GIF Solutions Sun Life MFS Global Total Return Sun GIF Solutions Sun Life MFS Global Value Sun GIF Solutions Sun Life MFS International Growth Sun GIF Solutions Sun Life MFS International Value Sun GIF Solutions Sun Life MFS Low Volatility Global Equity Sun GIF Solutions Sun Life MFS Low Volatility International Equity Sun GIF Solutions Sun Life MFS Monthly Income Sun GIF Solutions Sun Life MFS US Equity Sun GIF Solutions Sun Life MFS US Growth Sun GIF Solutions Sun Life MFS US Value Sun GIF Solutions Sun Life Money Market Sun GIF Solutions Sun Life Multi-Strategy Bond Sun GIF Solutions Sun Life NWQ Flexible Income Sun GIF Solutions Sun Life Schroder Global Mid Cap Sun GIF Solutions Sun Life Sentry Value Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity Sun GIF Solutions Sun Life Templeton Global Bond Page 5 of 8
6 FEL/LL/DSC F-CLASS O-CLASS Sun GIF Solutions Sun Life Trimark Canadian Sun GIF Solutions TD Canadian Bond Sun GIF Solutions TD Dividend Income Sun GIF Solutions TD Real Return Bond Sun GIF Solutions Trimark Ratios & supplementary data insurance fees INVESTMENT SERIES ESTATE SERIES Sun GIF Solutions CI Cambridge Canadian Asset Allocation Sun GIF Solutions CI Cambridge Canadian Equity Sun GIF Solutions CI Cambridge Global Equity Sun GIF Solutions CI Signature Diversified Yield II Sun GIF Solutions CI Signature High Income Sun GIF Solutions CI Signature Income & Growth Sun GIF Solutions Daily Interest Sun GIF Solutions Dollar Cost Average Daily Interest Sun GIF Solutions Estate Settlement Sun GIF Solutions Fidelity Floating Rate High Income Sun GIF Solutions Fidelity Income Allocation Sun GIF Solutions Fidelity Monthly Income Sun GIF Solutions Fidelity NorthStar 0.43 Sun GIF Solutions Fidelity True North Sun GIF Solutions Fiera Global Equity Sun GIF Solutions Fiera US Equity 0.40 Sun GIF Solutions Franklin Global Growth 0.43 Sun GIF Solutions PH&N Short Term Bond and Mortgage Sun GIF Solutions RBC Global High Yield Bond Sun GIF Solutions RBC North American Value Sun GIF Solutions Sun Life BlackRock Canadian Balanced Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity Sun GIF Solutions Sun Life BlackRock Canadian Equity Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond Page 6 of 8
7 INVESTMENT SERIES ESTATE SERIES Sun GIF Solutions Sun Life Dynamic American 0.45 Sun GIF Solutions Sun Life Dynamic Equity Income Sun GIF Solutions Sun Life Dynamic Strategic Yield Sun GIF Solutions Sun Life Excel Emerging Markets 0.41 Sun GIF Solutions Sun Life Franklin Bissett Canadian Equity Sun GIF Solutions Sun Life Granite Balanced Sun GIF Solutions Sun Life Granite Balanced Growth Sun GIF Solutions Sun Life Granite Conservative Sun GIF Solutions Sun Life Granite Enhanced Income Sun GIF Solutions Sun Life Granite Growth Sun GIF Solutions Sun Life Granite Income Sun GIF Solutions Sun Life Granite Moderate Sun GIF Solutions Sun Life Infrastructure Sun GIF Solutions Sun Life MFS Canadian Bond Sun GIF Solutions Sun Life MFS Canadian Equity Growth Sun GIF Solutions Sun Life MFS Dividend Income Sun GIF Solutions Sun Life MFS Global Growth Sun GIF Solutions Sun Life MFS Global Total Return Sun GIF Solutions Sun Life MFS Global Value Sun GIF Solutions Sun Life MFS International Growth Sun GIF Solutions Sun Life MFS International Value Sun GIF Solutions Sun Life MFS Low Volatility Global Equity Sun GIF Solutions Sun Life MFS Low Volatility International Equity Sun GIF Solutions Sun Life MFS Monthly Income Sun GIF Solutions Sun Life MFS US Equity Sun GIF Solutions Sun Life MFS US Growth Sun GIF Solutions Sun Life MFS US Value Sun GIF Solutions Sun Life Money Market Sun GIF Solutions Sun Life Multi-Strategy Bond Sun GIF Solutions Sun Life NWQ Flexible Income Sun GIF Solutions Sun Life Schroder Global Mid Cap 0.41 Sun GIF Solutions Sun Life Sentry Value Sun GIF Solutions Sun Life Sionna Canadian Small Cap Equity Sun GIF Solutions Sun Life Templeton Global Bond 0.22 Sun GIF Solutions Sun Life Trimark Canadian Page 7 of 8
8 INVESTMENT SERIES ESTATE SERIES Sun GIF Solutions TD Canadian Bond Sun GIF Solutions TD Dividend Income Sun GIF Solutions TD Real Return Bond Sun GIF Solutions Trimark 0.34 Insurance fees for F class funds are the same as those listed above except for the following funds: INVESTMENT SERIES ESTATE SERIES Sun GIF Solutions Sun Life BlackRock Canadian Balanced Sun GIF Solutions Sun Life BlackRock Canadian Composite Equity Sun GIF Solutions Sun Life BlackRock Canadian Universe Bond Ratios & supplementary data insurance fees INCOME SERIES Sun GIF Solutions Strategic Income 0.98 Sun GIF Solutions Estate Settlement 0.11 Contact Sun Life Financial or your advisor for additional information. Sun Life Financial 227 King Street South Waterloo, Ontario N2J 4C5 Toll Free: (1-844-SLF-GIFS) Facsimilie: gifs@sunlife.com Website: Life s brighter under the sun Sun Life GIFs are individual variable annuity contracts issued by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies. Sun Life Assurance Company of Canada, Page 8 of 8
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